UBOH (United Bancshares) ROC %: % (As of Mar. 2026)


UBOH United Bancshares Inc UBOH
46 GF Score
Price $38.00
GF Value $28.88
Valuation Significantly Overvalued
! 1 Warning Sign
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What is United Bancshares ROC %?

United Bancshares UBOH 46 ROC % is % as of Mar. 2026. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.88 (Significantly Overvalued). The stock has 1 warning sign investors should review.

ROC %does not apply to banks.

UBOH
46GF Score
United Bancshares Inc UBOH
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
United Bancshares (UBOH) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bancshares and its competitors.
Is United Bancshares' ROC % too high?
United Bancshares' current ROC % is %. Overall, United Bancshares has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' ROC % compare to BORT and CZBS?
United Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on United Bancshares and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancshares stock overvalued right now?
Based on GuruFocus' analysis, United Bancshares (UBOH) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.88, compared to a current price of $38.00 — trading 31.6% above its estimated fair value. The current ROC % is %. United Bancshares' overall GF Score™ is 46/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For United Bancshares (UBOH), the current ROC % is % as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is United Bancshares (UBOH) Overvalued in 2026?

Based on GuruFocus' analysis, United Bancshares stock appears to be overvalued. The current stock price of $38.00 is trading 31.6% above its estimated GF Value™ of $28.88. GuruFocus considers United Bancshares to be Significantly Overvalued.

Key valuation signals for UBOH:

  • ROC %: %
  • GF Value™: $28.88 vs. price of $38.00 (31.6% above fair value)
  • GF Score™: 46/100 with 1 warning sign

No single metric tells the full story. See the UBOH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United Bancshares Business Description

Address 105 Progressive Drive, Columbus Grove, OH, USA, 45830
United Bancshares Inc is a financial holding company engaged in the business of full-service community banking, offering a full range of commercial and consumer banking services. It provides products including residential, commercial and multi-family real estate, commercial, and consumer loans, along with securities portfolio management. Its services include deposit services, lending, and risk management. The Bank offers a range of commercial banking services, including checking, savings, money market accounts, time certificates of deposit, and automated teller machines; as well as commercial, consumer, agricultural, residential mortgage, and home equity loans; online and mobile banking; remote and mobile deposit; safe deposit box rentals; and other personalized banking services.
46GF Score

Get the complete analysis for UBOH

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.00
Price
$28.88
GF Value